
As a host or vendor, you want to ensure that your overnight event is protected against unexpected cancellations, property damage, or injuries. Overnight event insurance coverage can provide financial protection in case of unforeseen events.
Accidents can happen, and medical expenses can add up quickly. According to the article, medical expenses can range from $1,000 to $100,000 or more per person.
Liability coverage is also crucial for hosts and vendors, as it can help protect against lawsuits and financial losses. In fact, the article notes that a single lawsuit can cost up to $500,000 or more.
With overnight event insurance, you can have peace of mind knowing that you're protected against these types of risks.
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What to Know
If you're hosting an overnight event, it's essential to know that you may need to purchase special insurance coverage to protect yourself and your business from potential risks.
Overnight events often involve a higher level of risk due to the presence of guests in a private setting, which can increase the liability for accidents or injuries.

The average cost of overnight event insurance can range from $200 to $5,000 or more, depending on the type and size of the event, as well as the level of coverage desired.
In some cases, event hosts may be required to obtain a certificate of liability insurance to ensure that they have adequate coverage in place.
Having a clear understanding of what is covered and what is not under your overnight event insurance policy is crucial to avoid any surprises or unexpected expenses.
Policy Details
Our overnight event insurance policies offer flexible deductible options to suit your needs. A $1,000 deductible is standard, but you can choose a $500 or $0 deductible for an added layer of protection.
A $0 deductible is particularly beneficial for venue partners, as it ensures the policy pays out from the first dollar of a claim, rather than leaving your clients responsible for a significant upfront cost.
The cost of a $0 deductible is minimal, but it provides peace of mind when filing smaller property damage claims.
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Liability and Risks

Our event insurance program has some unique features, but it's essential to understand what's covered and what's not. If guests are staying overnight, the coverage still applies if the claim arises out of the event.
However, if the claim isn't directly related to the event, it may not be covered. This means that if a guest slips in the shower the next morning while getting ready to leave, there likely won't be any coverage available for that injury.
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Liability for Drunk Driving Accidents
Liability for drunk driving accidents can be a complex issue. The driver's auto insurance always comes first in such cases.
The laws on liability vary by state, making it difficult to determine who is legally responsible. However, the auto exclusion on the policy will apply if a claim is made.
In the event of a lawsuit, the insurance company may provide defense if you're brought into the lawsuit.
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Weather and Disaster Coverage

Weather and disaster coverage is a critical aspect of liability and risks. It provides financial protection for events that are canceled due to circumstances beyond your control.
Events that qualify for coverage include those canceled because of weather or other disasters. This type of coverage reimburses you for non-refundable deposits or expenses.
The key thing to note is that coverage only applies if the event is canceled due to something entirely out of your hands, not if your group decides to cancel. This means you can't simply cancel an event and expect to be reimbursed.
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Examples of Past Claims
I've worked with event planners who have had to deal with unexpected accidents, like the Maid of Honor who fell while dancing and twisted her ankle. The MedPay limit of $5000 was paid out since it wasn’t anyone’s fault but her own.
Dragging tables and chairs across the floor can be a recipe for disaster, as one venue discovered when the epoxy covering one of their floors was severely scuffed. The cost to repair was a whopping $13,000.
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Choosing the Right Insurance

You want to make sure you're protected in case something goes wrong on an overnight trip. At The Camp Team, they offer overnight event insurance programs that provide comprehensive protection for athletes, coaches, spectators, and event operators.
Their insurance experts can help determine the right kind of insurance for your event, and assist you in putting the necessary safeguards in place. This can give you peace of mind knowing that your organization is protected against any potential loss.
The right insurance can make all the difference in case of an injury or sickness during an overnight trip. Consider the following facts when choosing a provider:
- Look for a provider with longevity, like K&K which has been providing customized insurance solutions for over 70 years.
- Choose a provider with stability, such as K&K which insures over 350,000 events and organizations each year.
- Opt for a provider with experience, like K&K which offers over 80 sports, leisure, recreation, and motorsports programs.
Do Vendors Need Insurance
Do Vendors Need Insurance?
Vendors need insurance, it's as simple as that. If a vendor causes damage to the venue, the event organizer's insurance won't cover it if the vendor is at fault.
The event organizer could end up taking the vendor to court or paying for the damage themselves. This happened to an event organizer who didn't check if a caterer had insurance before hiring them. The caterer caused a burn to the venue's wood flooring and couldn't pay for the damage.
Vendors should always have their own insurance to protect themselves and the event organizer in case something goes wrong.
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Deductible on Policy

Choosing the right deductible for your insurance policy can be a bit overwhelming, but don't worry, I've got you covered.
Our least expensive policy comes with a $1,000 deductible, but we also offer a $500 or $0 deductible option.
For venue partners, we suggest a $0 deductible, as it can save you money in the long run. This is especially ideal in the case of a covered claim for property damage to your venue, where you may have already paid thousands of dollars to use your facility.
There is a minimal cost increase for the $0 deductible, but it will offer you peace of mind when filing smaller property damage claims.
Who Should Be Listed as Additional Insured?
When guests are staying overnight, it's essential to understand who should be listed as additional insured. The owner, landlord, manager, or tenant of a venue are common additional insureds.
If guests are staying overnight, event insurance may still provide coverage, but only if the claim arises directly from the event. This means that if a guest slips in the shower the next morning, the injury likely won't be covered.
The owner, landlord, manager, or tenant of a venue should be listed as additional insureds to ensure they're protected in case of an accident or injury related to the event. This is a standard practice in the industry.
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Host Liquor vs Retail Liquor Liability
Host Liquor Liability is specifically for event holders who serve alcohol but don't sell it. This coverage kicks in when the drinker shows signs of intoxication and continues to serve themselves more alcohol.
If you're in the business of selling, professional serving, or distributing alcohol, Host Liquor Liability is excluded from the policy. In that case, you'll need to opt for Retail Liquor Liability instead.
To determine which one is right for you, consider whether you're hosting an event where guests will be consuming alcohol or if you're running a business that involves selling or serving liquor.
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Why Choose K&K?
Choosing the right insurance can be a daunting task, but there are some key factors to consider. K&K has been around for over 70 years, celebrating a long history of providing customized insurance solutions.
Their stability is also impressive, insuring over 350,000 events and organizations each year. This level of activity suggests a company that is well-established and reliable.

With over 80 sports, leisure, recreation, and motorsports programs, K&K has a wealth of experience in providing specialized insurance coverage. This breadth of expertise is a major advantage for those looking for tailored solutions.
Here are some key benefits of choosing K&K:
- Longevity: Over 70 years of experience
- Stability: Insuring over 350,000 events and organizations each year
- Experience: Offering over 80 sports, leisure, recreation, and motorsports programs
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